What types of insurance plans does Delta Dental offer?

A:

Quick Answer

Delta Dental offers individuals, families and employers a choice of three dental insurance plans: a PPO, a plan similar to a HMO and a fee-for-service plan. Delta Dental restricts the availability of these plans based on the consumer's location.

Delta Dental PPO is the company's Dental Preferred Provider Organization insurance plan. When using its insurance, dental patients may pay a deductible, co-insurance or co-payment depending on the services provided. They must choose a dentist within Delta Dental's provider network to receive the maximum coverage available.

DeltaCare USA is a dental insurance plan similar to a Dental Health Maintenance Organization plan. This plan allows users to pay a lower, fixed-cost fee for any dental services they need from any of the dentists in Delta's provider network. The DeltaCare USA plan may waive the fee for some services that prevent or diagnose dental problems.

Delta Dental Premier is the insurance provider's fee-for-service plan. This plan requires users to pay co-insurance for their dental treatments and choose a dentist within the provider network. Co-insurance percentages vary depending on the dental work received. Cleaning and other preventative services require a smaller co-insurance payment than restorative dental work. Fee-for-service plan users pay a higher percentage of co-insurance when compared to PPO users.